BHM Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 10.52 percentage points higher than in Q1 2026, at 93.79%. Within Alabama, BHM Bank is 38th of 93 on loan-to-deposit ratio, 74.31% as of Q2 2026. BHM Bank reported 74.31% on loan-to-deposit ratio for Q2 2026, 6.98 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $5.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.31% |
| Net loans and leases to deposits | 73.32% |
| Loans and leases to core deposits | 93.79% |
| Core deposits to total deposits | 79.23% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 81.12% | 95.18% | $0 | $0 |
| Q4 2023 | 71.50% | 95.86% | $0 | $0 |
| Q1 2024 | 65.34% | 94.53% | $0 | $0 |
| Q2 2024 | 69.99% | 92.71% | $0 | $0 |
| Q3 2024 | 62.47% | 78.49% | $0 | $0 |
| Q4 2024 | 65.62% | 74.06% | $0 | $0 |
| Q1 2025 | 68.37% | 79.15% | $0 | $0 |
| Q2 2025 | 69.53% | 79.12% | $0 | $0 |
| Q3 2025 | 66.48% | 77.56% | $0 | $0 |
| Q4 2025 | 66.72% | 77.05% | $0 | $0 |
| Q1 2026 | 66.28% | 79.60% | $0 | $0 |
| Q2 2026 | 74.31% | 79.23% | $0 | $0 |
BHM Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BHM Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BHM Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35314) · FFIEC NIC profile (RSSD 2877484)